The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,469
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$426/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$408/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,163
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$511/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$489/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$595/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,978
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$571/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$766/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,972
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$734/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,906 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).